Category Archives: Credit Cards

How to Use the OpenSky Secured Visa Credit Card

The OpenSky Secured Visa Credit Card can be an ideal solution for borrowers who cannot qualify for traditional credit cards due to poor credit or ineligibility, making approval easier and quicker for applicants with bad credit histories. Additionally, this service reports to all three credit bureaus, helping you build up a positive payment history with […]

Can I Get a Credit Card Without a Social Security Number?

Social Security numbers are essential tools in the United States for numerous tasks, including applying for credit and building your credit report. But what happens if you don’t have one? Some credit card issuers accept alternate forms of identification for credit cards; American Express for instance offers international students and those with Individual Taxpayer Identification […]

How to Get a Credit Card For the First Time

Before applying, it’s wise to carefully weigh both its benefits and obligations before making your decision. Applying for your first credit card typically involves filling out an online application with personal details such as date of birth, Social Security number and address. Some cards may require income and employment details as well. Get a credit […]

When Does Switching Business Credit Card Issuers Make Sense?

Credit cards provide business owners with the freedom and rewards to spend more and earn rewards, but managing multiple cards from different issuers can become cumbersome and challenging. Are You Missing Out on Sign-up Bonuses, Retail Loyalty Perks and Travel Benefits from your Current Issuer? So when does switching business card issuers make sense? 1. […]

Avoid a Credit Card Balance Transfer Fee – Try a Credit Union

If you want to avoid balance transfer fees, consider opting for a credit union. These nonprofit financial institutions provide similar features like banks do such as free checking accounts and ATM networks without fee charges for members. Local banks also tend to have lower membership restrictions and greater accessibility compared to big banks, making the […]

Should I Close My Credit Card If I Have A High Interest Rate?

Credit cards are an indispensable financial tool that allow consumers to purchase products on credit and then repay the balance by its due date, without incurring interest and fees charges. If your card carries a high-interest rate, consider calling its company and asking them if there are any incentives or waivers they could offer as […]

How to Pay Off Student Loans With a Credit Card

Paying student loans with credit card can make sense in certain instances, provided you can earn enough rewards to offset payment fees and balance transfer fees. Furthermore, any balance transfer payments should not be considered cash advances. Here’s how: 1. Integrate an external payment service provider. 1. Use a third-party payment service Though it is […]

Credit Cards For College Students

Credit cards can be an indispensable resource for college students, but they should be used responsibly. Students should look into opening cards that offer rewards programs in order to maximize their benefits. Student cards typically offer lower credit limits and may come without or low annual fees; some cards even come equipped with cash back […]